FAVORIT SANTE or FAVORIT TELMED — Appenzell Innerrhoden
Appenzell Innerrhoden: with SWICA, FAVORIT SANTE costs CHF 387.20 a month in 2026 and FAVORIT TELMED CHF 413.60, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
FAVORIT SANTE is the cheaper of the two here: CHF 316.80 saved per year against FAVORIT TELMED, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
FAVORIT SANTE is a "Group practice (HMO)" model. FAVORIT TELMED is a "Telemedicine and others" model.
- FAVORIT SANTE
Group practice (HMO)
You go to a designated group practice, which coordinates your care.
- FAVORIT TELMED
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | FAVORIT SANTE | FAVORIT TELMED | Gap per year |
|---|---|---|---|
| 300 | CHF 387.20 | CHF 413.60 | CHF 316.80 |
| 500 | CHF 375.50 | CHF 401.90 | CHF 316.80 |
| 1'000 | CHF 350.70 | CHF 377.10 | CHF 316.80 |
| 1'500 | CHF 321.60 | CHF 348.00 | CHF 316.80 |
| 2'000 | CHF 288.00 | CHF 318.80 | CHF 369.60 |
| 2'500 | CHF 258.80 | CHF 289.60 | CHF 369.60 |
The comparison, region by region
- FAVORIT SANTE or FAVORIT TELMED?
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Uri
- Vaud — Region 1
- Vaud — Region 2
- Zug
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.